Ozark National Life Insurance Company was founded in 1964. By 1970 we began to market a new
product - The Balanced Program®. At that time, we were convinced then that The Balanced
Program® would revolutionize the life insurance industry. We are even more convinced of that
today. By combining a mutual fund investment with the coverage of a life insurance policy, The
Balanced Program® provides the potential for growth and protection which neither product could
provide alone.

The Balanced Program® is designed to provide for your future in the event of a long life,
a premature death or a disability. Through a correlated purchase of life insurance and mutual
fund shares, The Balanced Program® can provide you with the guarantees of a life insurance
policy as well as the potential for growth through periodic investments in a mutual fund.

In the event of a long life, the life insurance policy accumulates cash values which are
guaranteed. Additionally, potential growth is made possible through periodic investments
in your mutual funds. Your mutual funds can be set up as conventional, tax-deferred, or
free from federal and state income taxes (with a Roth IRA).

If you become disabled while covered by The Balanced Program®, the insurance protection will
complete the investment. In other words, the life insurance component will ensure that your
intended investments are made, even if you become unable to work because of disability.

Likewise, if you die, Ozark National Life will pay your designated beneficiaries a death
benefit which is designed to allow the immediate purchase of mutual funds to complete
the investment portion of the program.

I hope that after reviewing this site, you will be as excited about
The Balanced Program® as we are.

Mutual funds are Investment Products

Past Performance Does Not Guarantee Future Results. Mutual Fund Shares are subject to market risks.
Their returns and principal values will vary, and shares may be worth more or less at redemption than their original purchase price.
Before investing, consider a fund’s investment objectives, risks, charges and expenses.
Contact your N.I.S. Financial Services advisor at (816) 842-8685 for a prospectus or summary prospectus containing this information. Please read it carefully.

Not FDIC insured

May lose value

No bank guarantee

A Roth IRA is a tax-favored account that allows anyone -regardless of age-
with earned income to contribute up to $5,000 annually ($6,000.00 if age 50 or older).
If you have a spouse and your joint income is within the allowable range, you can open separate Roth IRAs and contribute up to $5,000 each
($6,000.00 each if you are both age 50 or older), even if your spouse has no earned income.
(However, your combined earned income must be at least $10,000 or $12,000 if you are both age 50 or older.)

The maximum Roth IRA contribution is phased out for those with adjusted gross income between
$110,000 - $125,000 (single) and $175,000 - $183,000 (joint), or $10,000.00 for a married individual
filing a separate return. Contributions are not tax-deductible, but can be withdrawn tax-free at any time.
Earnings grow tax-deferred and can be withdrawn tax-free if your account has been open at least 5 years,
and if you are over age 59-1/2, disabled, or using up to $10,000 to buy a first home.
Earnings which are withdrawn without meeting these qualifications are subject to income tax and a 10% penalty.